Are you facilitating the use of Stripe's API for accounts that are wholly owned by your customers or are you offering the use of your Stripe relationship for managing multiple accounts that you hold in custody for your customers? For the former, I think you shouldn't take responsibility for Stripe's behavior toward your customers, but you should have them set up an additional merchant account somewhere else. For the latter, I can see how that would put someone into a situation that might be both open to abuse and against the TOS.